How to Find Temporary Car Insurance in Arizona
Temporary car insurance doesn’t exist in Arizona, but you can purchase a six-month policy and cancel early.
Written by Melanie Johnson
Reviewed by Kathleen Flear
If you’re looking for temporary
car insurance in Arizona
, your best option is to purchase a six-month or year-long policy from a reputable insurance company and cancel early. In some cases, you may have to pay a cancellation fee. Securing a short-term car insurance policy can feel like finding a needle in a haystack. Many reputable car insurance companies will not draft contracts for less than six months, so if you see some companies doing so, they’re probably scams—be cautious out there!
Jerry
can help you navigate the pitfalls of shopping for temporary car insurance
in Arizona. We’ve assembled a handy guide for the best companies for short-term car insurance in the Grand Canyon State. We’ll also talk about a couple of alternatives to temporary car insurance.Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat is temporary car insurance?
Hate to burst your bubble, but
temporary car insurance
doesn’t really exist. This is because almost all car insurance policies are designed to last for at least six months. Companies offering shorter commitments are often illegitimate—so driver, beware! In general, the only way to get short-term car insurance from a reputable insurance company is to purchase a six-month or twelve-month policy and cancel when you no longer need it. If you prepaid for coverage, you’ll likely be reimbursed for the coverage you didn’t use, though in some cases you may have to pay a cancellation fee.
Best companies for temporary car insurance in Arizona
Insurance companies differ when it comes to canceling temporary car insurance early in Arizona. Some charge cancellation fees and some offer reimbursement for unused coverage.
Below are our top picks for temporary car insurance in Arizona, based on price and ease of cancellation:
- Metromile: Metromile offers pay-as-you-drive coverage, which is ideal for drivers who don’t use their cars very often. They do not charge cancellation fees.
- GEICO: GEICO doesn’t charge cancellation fees, so it’s another ideal pick for those seeking short-term coverage.
- USAA: USAA provides refunds for unused coverage and doesn’t charge cancellation fees, but it’s only available to military members and their families.
Regardless of which company you choose, always stay insured on the road. If you’re hopping between insurance companies, make sure your coverage never lapses since the penalties for driving without insurance are severe.
Should your coverage lapse (even by just a day), you’ll have to pay a $50 reinstatement fee. If you’re caught driving without insurance, you may have to pay a fine of up to $500. Yourlicense could also be revoked for three months.
Alternatives to temporary car insurance
There are other options to consider if temporary car insurance doesn’t sound like it will meet your needs. If you’re flexible on not owning your vehicle, consider
rental car insurance
or non-owner car insurance
. Rental car insurance
Rental car insurance is an ideal option if you want a very short car insurance policy and don’t mind not owning your vehicle. You’ll keep yourself properly insured on the road and avoid the high fines that result from driving without insurance.
When you rent a car, you’ll have the option to sign a collision damage waiver (CDW), which will provide you with the highest level of protection. However, CDWs are known for being overpriced. You can opt for less-expensive rental car liability insurance and personal car accident insurance instead.
Your credit card company may also offer free rental collision coverage, so check with them first!
Non-owner car insurance
Non-owner car insurance is a great option if you plan to rent or borrow vehicles frequently.
This coverage is often cheaper than a standard auto insurance policy by up to 10 percent. It’s important to note that this policy is not designed for one vehicle but will cover you as you move from vehicle to vehicle.
How to find affordable car insurance in Arizona
Whether you’re looking for a short-term fling or one that you can grow old with, it’s easy to find an affordable rate for the car insurance you need with the
Jerry
app.It’s this simple: download the Jerry app or go to getjerry.com. In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from top insurance companies and as a
licensed broker
, Jerry takes care of the rest—securing your new policy and helping you cancel your old one upon request. No long forms. No calling around. No hard work. Just savings. The average Jerry user saves $887 a year on car insurance.
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Can I insure a car for just one month?
Beware of companies offering car insurance policies for a month—it’s almost certainly a scam! Most reputable companies offer car insurance policies for a minimum of six months. If you want a shorter term, you can cancel early or consider rental or non-owner car insurance.
What happens if you drive without insurance in Arizona?
Driving without insurance in Arizona is a serious crime. At minimum, a lapse in coverage will mean a reinstatement fee of $50. If you’re caught driving without insurance, you may have to pay fines of up to $500 and your license could be revoked for up to three months.
